Regional Summary
October 2025 - debentures across 12 regions
Debentures by region and lender category
| Region | High St | Challengers | Other banks | Property | ABL/IF | Total |
|---|---|---|---|---|---|---|
| London | 399 | 157 | 328 | 1,633 | 76 | 3,018 |
| South East | 538 | 185 | 210 | 1,590 | 121 | 2,908 |
| North West | 275 | 145 | 106 | 921 | 59 | 1,690 |
| Midlands | 296 | 129 | 71 | 724 | 56 | 1,411 |
| Yorkshire / Humber | 153 | 68 | 51 | 448 | 50 | 883 |
| Scotland | 143 | 127 | 47 | 389 | 25 | 784 |
| South West | 197 | 73 | 45 | 382 | 24 | 791 |
| East of England | 150 | 71 | 44 | 378 | 43 | 757 |
| East Midlands | 76 | 41 | 26 | 286 | 15 | 473 |
| Wales | 95 | 44 | 11 | 207 | 23 | 453 |
| North East | 61 | 57 | 20 | 198 | 13 | 387 |
| Northern Ireland | 32 | - | 51 | 42 | 7 | 150 |
Regional Detail
Top lenders and sectors by region
London
1stTop Lenders
- The Mortgage Works (185)
- Together Commercial Finance (120)
- Barclays Bank (114)
- HSBC (110)
- HSBC (110)
- Lloyds Bank (91)
- Kensington Mortgage Company (89)
Top Sectors
- Real estate (1940)
- Financial services (252)
- Building construction (101)
- Office & business support (82)
- Office & business support (82)
- Retail trade (54)
- Food & beverage services (51)
South East
2ndTop Lenders
- The Mortgage Works (285)
- Barclays Bank (170)
- Kensington Mortgage Company (156)
- Lloyds Bank (142)
- Together Commercial Finance (122)
- Paragon Bank (115)
- Natwest (114)
Top Sectors
- Real estate (1864)
- Financial services (134)
- Building construction (119)
- Retail trade (55)
- Office & business support (52)
- Specialist construction (51)
- Wholesale trade (48)
North West
3rdTop Lenders
- The Mortgage Works (161)
- Together Commercial Finance (137)
- Natwest (85)
- Aldermore Bank (84)
- Paragon Bank (72)
- Lloyds Bank (67)
- Kensington Mortgage Company (64)
Top Sectors
- Real estate (1109)
- Financial services (88)
- Building construction (67)
- Retail trade (36)
- Human health (33)
- Accommodation (28)
- Wholesale trade (28)
Midlands
4thTop Lenders
- The Mortgage Works (148)
- HSBC (88)
- Together Commercial Finance (81)
- Barclays Bank (76)
- Natwest (70)
- Lloyds Bank (62)
- Aldermore Bank (56)
Top Sectors
- Real estate (863)
- Financial services (76)
- Building construction (56)
- Retail trade (34)
- Residential care (34)
- Wholesale trade (29)
- Office & business support (23)
Top Lenders
- The Mortgage Works (81)
- Together Commercial Finance (55)
- Aldermore Bank (43)
- Natwest (41)
- Lloyds Bank (40)
- Barclays Bank (39)
- HSBC (33)
Top Sectors
- Real estate (522)
- Financial services (51)
- Building construction (42)
- Retail trade (28)
- Wholesale trade (18)
- Specialist construction (16)
- Office & business support (15)
South West
6thTop Lenders
- The Mortgage Works (70)
- Lloyds Bank (69)
- Barclays Bank (55)
- Paragon Bank (41)
- Natwest (38)
- HSBC (35)
- Aldermore Bank (32)
Top Sectors
- Real estate (465)
- Building construction (44)
- Financial services (36)
- Retail trade (21)
- Wholesale trade (18)
- Food & beverage services (17)
- Office & business support (11)
Scotland
7thTop Lenders
- The Mortgage Works (99)
- Aldermore Bank (85)
- Together Commercial Finance (81)
- Lloyds Bank (52)
- Lendinvest (47)
- Natwest (46)
- Paratus Amc (42)
Top Sectors
- Real estate (530)
- Accommodation (20)
- Financial services (19)
- Retail trade (18)
- Building construction (17)
- Human health (13)
- Agriculture (13)
East of England
8thTop Lenders
- The Mortgage Works (83)
- Barclays Bank (51)
- HSBC (41)
- Lloyds Bank (37)
- Together Commercial Finance (36)
- Aldermore Bank (35)
- Paragon Bank (31)
Top Sectors
- Real estate (456)
- Building construction (40)
- Financial services (35)
- Wholesale trade (19)
- Retail trade (15)
- Agriculture (13)
- Specialist construction (12)
East Midlands
9thTop Lenders
- The Mortgage Works (52)
- Kensington Mortgage Company (32)
- Together Commercial Finance (26)
- Aldermore Bank (26)
- Lloyds Bank (25)
- HSBC (19)
- Natwest (18)
Top Sectors
- Real estate (331)
- Building construction (17)
- Financial services (15)
- Personal services (9)
- Retail trade (7)
- Specialist construction (7)
- Manufacturing (other) (7)
Wales
10thTop Lenders
- The Mortgage Works (36)
- Barclays Bank (33)
- HSBC (28)
- Aldermore Bank (27)
- Development Bank of Wales (27)
- Paragon Bank (24)
- Together Commercial Finance (19)
Top Sectors
- Real estate (251)
- Financial services (44)
- Building construction (18)
- Food & beverage services (11)
- Specialist construction (11)
- Residential care (10)
- Accommodation (10)
North East
11thTop Lenders
- The Mortgage Works (52)
- Aldermore Bank (40)
- Together Commercial Finance (24)
- Lloyds Bank (22)
- Paragon Bank (18)
- Glas Trust (17)
- Barclays Bank (16)
Top Sectors
- Real estate (266)
- Building construction (12)
- Education (11)
- Financial services (10)
- Office & business support (6)
- Land transport & logistics (6)
- Retail trade (5)
Northern Ireland
12thTop Lenders
- Kensington Mortgage Company (33)
- Danske Bank (24)
- Bank of Ireland (16)
- Natwest (16)
- HSBC (11)
- Allied Irish Bank (7)
- Golub Capital (6)
Top Sectors
- Real estate (53)
- Financial services (14)
- Agriculture (9)
- Building construction (8)
- Unknown (5)
- Fabricated metal products (5)
- Wholesale trade (5)